Other Business Service Centers (including Copy Shops): SBA business acquisition loan data
47 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Other Business Service Centers (including Copy Shops) (NAICS 561439), totaling $22.3M. Median loan $360,000, 44% lower than the all-acquisition median. 68% of these deals were franchised units.
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Reading this industry's numbers
- Deal size. The loan excludes the buyer's equity and any seller note and may include working capital. A loan request far above $531,600 would be in the top quarter of SBA acquisition loans in this industry.
- Share of all acquisitions. This industry is 0.1% of all SBA-financed business purchases, ranking #168 of 300 industries tracked.
- Geography. Texas leads with 7 loans; the top five states account for 49% of the industry's acquisitions.
- Jobs. Lenders reported 245 jobs supported across these loans, about 5.2 per acquisition, a rough proxy for the size of business changing hands.
Other Business Service Centers (including Copy Shops) acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 3 | $911K | $300,000 | |
| FY2019 | 6 | $1.3M | $222,250 | |
| FY2020 | 2 | $797K | $398,500 | |
| FY2021 | 8 | $3.1M | $336,700 | |
| FY2022 | 1 | $512K | $512,000 | |
| FY2023 | 5 | $2.3M | $499,000 | |
| FY2024 | 6 | $3.6M | $621,500 | |
| FY2025 | 8 | $3.2M | $277,500 | |
| FY2026 | 8 | $6.5M | $425,000 |
How often do these acquisition loans fail?
Fewer than 20 Other Business Service Centers (including Copy Shops) acquisition loans are old enough to measure losses reliably, so no charge-off rate is shown. The benchmark across all SBA acquisition loans in the FY2018 to FY2021 cohort is 3.5% by count. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
Seller note standby terms and third-party consents are reviewed before closing.
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Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Texas | 7 | 14.9% | $3.6M | |
| 2 | California | 5 | 10.6% | $1.7M | |
| 3 | Indiana | 4 | 8.5% | $3.3M | |
| 4 | North Carolina | 4 | 8.5% | $1.8M | |
| 5 | Ohio | 3 | 6.4% | $1.9M | |
| 6 | Colorado | 3 | 6.4% | $1M | |
| 7 | Alabama | 2 | 4.3% | $1.2M | |
| 8 | New Jersey | 2 | 4.3% | $934K | |
| 9 | Georgia | 2 | 4.3% | $766K | |
| 10 | Tennessee | 2 | 4.3% | $746K |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 8 | 17.0% | $6.6M | |
| 2 | Wells Fargo Bank National Association | 3 | 6.4% | $1.1M | |
| 3 | Live Oak Banking Company | 2 | 4.3% | $625K | |
| 4 | KeyBank National Association | 2 | 4.3% | $205K | |
| 5 | Capitol National Bank | 1 | 2.1% | $1.1M | |
| 6 | American Momentum Bank | 1 | 2.1% | $880K | |
| 7 | Beacon Bank and Trust | 1 | 2.1% | $760K | |
| 8 | TowneBank | 1 | 2.1% | $695K | |
| 9 | CNB Bank | 1 | 2.1% | $643K | |
| 10 | U.S. Bank, National Association | 1 | 2.1% | $621K |
That draft favors the seller. We review it for the buyer, line by line.
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Franchise brands in Other Business Service Centers (including Copy Shops)
68% of acquisition loans in this industry involved a franchised unit. Brands with the most SBA-financed resales:
| # | Brand | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | The UPS Store | 23 | 71.9% | $10.2M | |
| 2 | Minuteman Press | 3 | 9.4% | $1.4M | |
| 3 | PIP Center | 2 | 6.3% | $3.1M | |
| 4 | Shredder Indoor Ski and Snowboard School | 1 | 3.1% | $260K |
Questions buyers ask
How much is a typical SBA loan to buy a business in Other Business Service Centers (including Copy Shops)?
Median $360,000 across 47 acquisition loans (FY2018 to FY2026); the middle half ran $265,000 to $531,600. That is 44% lower than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Other Business Service Centers (including Copy Shops) acquisitions?
The Huntington National Bank (8), Wells Fargo Bank National Association (3), Live Oak Banking Company (2), KeyBank National Association (2), Capitol National Bank (1).
Are businesses in Other Business Service Centers (including Copy Shops) often franchised?
Yes, often. 68% of SBA acquisition loans in this industry financed a franchised unit. Top brands: The UPS Store, Minuteman Press, PIP Center, Shredder Indoor Ski and Snowboard School.
How risky are SBA loans for buying a business in Other Business Service Centers (including Copy Shops)?
Too few loans are old enough to measure for this industry. The all-acquisition benchmark is 3.5%.
What loan terms are common for Other Business Service Centers (including Copy Shops) acquisitions?
Median term 10 years, average initial rate 8.13% at approval (blended across years and fixed/variable structures). Terms longer than 10 years usually indicate real estate was included in the purchase.
Terms signed in the LOI shape the purchase agreement that follows.
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